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Are you in Credit Card debt?
Having trouble paying your bills? Getting dunning notices from creditors?
Are your accounts being turned over to debt collectors?
Are you worried about losing your home or your car?
You can Eliminate your debt.
Are you in need of a solution to your debt problems?
You can Stop Foreclosure and Avoid Bankruptcy.
Eliminate your debt with savings up to 70% or more.
Consumer debt is at an all-time high. What's more, a record number of consumers — more than
2.6 million in 2008 — are filing for bankruptcy. Whether your debt dilemma is the result of
an illness, unemployment, or overspending, it can seem overwhelming.
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Many people face financial crises at some time in their lives. But often, it can be overcome. The fact is that your financial situation doesn't have to go from bad to worse.
If you or someone you know is in financial hot water, consider these options: realistic budgeting, credit counseling from a reputable organization, debt consolidation, or bankruptcy. How do you know which will work best for you? It depends on your level of debt, your level of discipline, and your prospects for the future.
Credit Counseling
If you're not disciplined enough to create a workable budget and stick to it, can't work out a repayment plan with your creditors, or can't
keep track of mounting bills, consider contacting a credit counseling organization.
Many credit counseling organizations are nonprofit and work with you to solve your financial problems.
But be aware that just because an organization says it's "nonprofit," there's no guarantee that its services are free, affordable, or even legitimate.
In fact, some credit counseling organizations charge high fees, which may be hidden, or pressure consumers to make large "voluntary"
contributions that can cause more debt.
Most credit counselors offer services through local offices, the Internet, or on the telephone. If possible, find an organization that offers in-person counseling. Many universities, military bases, credit unions, housing authorities, and branches of the U.S. Cooperative Extension Service operate nonprofit credit counseling programs. Your financial institution, local consumer protection agency, and friends and family also may be good sources of information and referrals.
Reputable credit counseling organizations can advise you on managing your money and debts, help you develop a budget, and offer free educational materials and workshops. Their counselors are certified and trained in the areas of consumer credit, money and debt management, and budgeting. Counselors discuss your entire financial situation with you, and help you develop a personalized plan to solve your money problems. An initial counseling session typically lasts an hour, with an offer of follow-up sessions.
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